Managing Credit

Good credit is essential to acquire the financing you need at different points in your life, like when you want to buy a car, a house, or pay for an education. And understanding credit is the first step to putting it to work for you instead of against you.

Combining multiple credit account balances into a single monthly payment can yield a lower interest rate, meaning more of your payment goes toward the initial loan amount. The following resources can help you decide the best time — and the best way — to consolidate.

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